Life Insurance
Replace your income so your family keeps going if you can't.
What it is
Life insurance pays a lump sum to the people you choose if you pass away. It replaces the income they relied on, so the mortgage still gets paid, the children stay in school and daily life carries on.
You choose the amount of cover and how long it runs. Term plans cover a set number of years at a lower cost; whole-life plans last for life and can build cash value over time.
Why it matters
- Your family keeps their home and lifestyle instead of facing forced changes.
- It clears debts like a mortgage or car loan so they aren't left behind.
- It costs less the younger and healthier you are when you start.
- The payout is generally tax-free in Trinidad & Tobago.
Product brochures
Official product brochures for plans in this line. Click to open the PDF.
Protection Planner
A rough picture of the cover that would keep your family steady. Your real numbers come from a conversation.
Enter your monthly income to see an estimate.
Assumptions: Life cover target = 10× annual income + $50,000 per dependent. Critical-illness cover is a recommended flat lump sum of $75,000. Health exposure is a major orthopedic surgery ($40,000) plus post-op ($15,000). These are estimates to start a conversation, not a quote.
Term Insurance request
Term insurance is straightforward cover for a set number of years, often used to protect a mortgage or a young family. Send these details and I'll be in touch to talk it through.
Ready to talk it through?
I'll walk you through life insurance and what fits your situation. No pressure.